What LitFin Intelligence will not do
The list we publish about ourselves.
The three stages that work today, reading, appraisal and record, each stop at these lines.
This is substantially the list a third party risk reviewer would assemble about us in a first diligence pass, and we would rather supply it than have it built without us. None of these is a feature we have not reached: each is a line the product is built not to cross, because crossing it would make LitFin Intelligence unsafe to run beside an institution's own credit process.
What the product does is covered on the pages linked at the end. It is explained here only where a refusal cannot be stated otherwise.
The list itself
It does not lend.
It puts up no money and takes no position in any facility: no book, no stake, no interest in how a loan turns out. The exposure stays with the institution.
It does not move money.
No disbursement, repayment, collection or custody of funds at any point, and no instruction to any payment rail on anyone's behalf. There is no account in the middle.
It does not make the lending decision.
The decision is taken by your people and owned by your institution. Nothing it produces is an instruction or commits anyone to anything.
It transmits nothing to any bureau, registry, authority or regulator.
Where a question goes to an applicant or back to the sender, an officer sends it. The sanctions and politically exposed person lists those bodies publish are read one way: nothing about your file or borrower is sent back.
It writes to no real credit record.
It creates no entry in any credit history, about anybody. It produces a document your institution receives, and what happens to that document is the institution's decision.
No score, grade, band or rating of a borrower
LitFin Intelligence returns no score, no grade, no band and no rating of a borrower on any surface, and no version of one in disguise. Not a rescale, not a percentile, not a letter, not a star, not a colour band, not a bar filling toward a threshold. The one figure an appraisal carries about its own work says how much of the evidence packet the analysis rests on. It rates the analysis and never the borrower.
It is not a portfolio monitoring system, a provisioning engine or an early warning system.
It works one file at a time. It does not watch a book, set a limit, test resilience under stress, calculate expected credit loss, stage an exposure, size a provision or recommend a write-off. It runs beside the systems that do those things and replaces none of them. Following a financed season as it runs is being built and is not live yet.
It does not rate, rank or score a person.
The record shows how a judgement was formed, never how a person is performing: no index, no overall figure, no rating or ranking of anybody. Counts of what happened are facts about a file, not a number about a person.
It claims no certification it does not hold.
No accreditation, audit badge, assurance standard or uptime promise. LitFin Intelligence is not accredited by, partnered with or endorsed by any fund, development institution or standards body. It does not measure carbon, score readiness or run an accreditation workflow. Appraising a file against someone's criteria is a lens we apply, not a relationship we hold.
It does not claim to have read what it could not read.
A read that covers part of a file says so. No conclusion is drawn over a gap, and no gap is quietly rounded off.
It does not ask to be taken on trust.
An appraisal is a document you interrogate, not an instruction you follow. When it is wrong, the working is there to find it in.
Files you send us
Storage, access, retention and legal basis are set out in full in the two documents below.